Who Has Cheap Insurance Quotes for a Nissan Altima in Hawaii?

Whether or not you can find cheap auto insurance for a Nissan Altima in Hawaii depends on a complicated rating formula that uses factors like age of the driver, your address, and the deductible amount you use. Drivers in Hawaii on average pay around $950 per year to insure an Altima, but that figure is a valuation using rating data for a 30-year-old married male driver that purchased comprehensive and collision coverage and $100 policy deductibles.

The issue with using an average estimated rate is the likelihood you are not exactly 30 years old and possibly not even male, single instead of married, or maybe your Altima doesn’t need comprehensive and collision coverage. What people think is a minor change in policy rating variables could end up in a significant change in price quotes.

Car insurance coverage is unique to each driver, so this is why the most reliable method for finding the cheapest coverage for your Nissan is to shop your policy around every couple of years. Compare rate quotes now and you can get rates from the best companies that insure vehicles in Hawaii.

Insure Your Nissan for Less

The trim level of your Nissan will most likely have an effect on price, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will cost $224 less than the price to insure the high end Altima 3.5 SR 2-Dr Coupe model, as shown below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can modify premiums substantially.

Picking a high-quality insurance company can be rather challenging considering how many companies there are in Hawaii. The ranking data in the lists below can help you pick which companies you want to consider when looking for cheaper rates. The ratings below include the largest auto insurers in America, so smaller regional companies are not factored into the list.

The diagram below illustrates how choosing a deductible can increase or decrease insurance premiums when searching for cheap insurance for a Nissan Altima. The prices are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

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A 30-year-old driver could save $294 a year by changing from a $100 deductible to a $500 deductible, or save $442 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could shave up to $858 every year just by choosing higher deductibles.

If you do raise deductibles, it will be required to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Which major car insurance company is best?

When comparing rates for insurance for an Altima in Hawaii, the top insurers to get price quotes from are Progressive, State Farm, Allstate, and Geico. Between them, they insure almost 50% of all auto insurance policies in force. They all have a different combination of discounts, features, and options that may steer you one way or another. The following table shows some of the different options and features you can buy with each company.

How to find cheaper car insurance for a Nissan Altima

The list below shows a few penny-pinching suggestions that can help Hawaii drivers quote cheaper car insurance.

• Avoid having at-fault accidents
• On older vehicles, drop full coverage
• Buying home and auto together can help save money
• Buy safe vehicles
• Maintain a clean driving record
• Discounts for being claim-free can be substantial
• Comparison shop at least once a year

The last tip is extremely vital, as we stressed in this write-up. Insurance prices can change considerably in a year, so don’t hesitate to buy from a different company if a better rate can be found.

Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying a small fortune. It only take a few minutes to shop around to find cheaper insurance for a Nissan Altima.